FAQ

We are a law firm.  We specialize in mortgage relief programs. We have saved thousands of homes in Michigan. Our lead attorney has been a member of the Michigan Bar since 1985.
Our law firm’s team includes seasoned professionals with experience in:

Our team employs former FHA underwriters, who have spent the past 10 years putting together, underwriting evaluating and originating residential mortgages. We know & understand banking, mortgage and lending process.

We are homeowner advocates. Our law firm has successfully negotiated more modifications and other forms of mortgage relief than any other law firm in Michigan. Our firm works on your behalf to reduce your your monthly payment to an amount you can afford and sustain or gets you out from under a mortgage that no longer makes sense, and we do it the right way.

We are a Michigan law firm, based in Bingham Farms and we fight to get what you want. We are always there to answer your questions and help you through the process. Our program fully complies with ALL Federal and State Laws.  People just like you have turned to us for help and we have made a real difference in their personal situation.

First American Mitigators offers a comprehensive array of services and programs for borrowers. First, we evaluate your personal situation to determine what your exact circumstances are, then we lay out possible solutions to your problem.  We can advise you how best to make the Home Affordability Act work for you or inform you if there are other mortgage relief services that make sense for your particular situation.  First American Mitigators offers the widest variety of services: we do everything from Loan Modifications and Deeds in Lieu of Foreclosure to negotiated payoffs, foreclosure defense and Short Sale services.

IT IS NOT A REFINANCE! A loan modification is a process whereby the terms of an existing loan are changed. The sole purpose is to enable the homeowner to make their payments for the foreseeable future. With a loan modification, there are no credit checks, appraisals or points; modified rates never exceed 38% of gross household income. We qualify you for these programs by doing our homework first and then we analyze your individual financial situation to get you a new rate and amortization of the loan. How we present you to your lender is the key to our success.

While it may seem be straight forward, this process it is not as easy it sounds. Even with the government programs, convincing lenders you qualify for relief is difficult to do.  We make the case for you relief convincing and understandable to your lender. We present your information in a cohesive and comprehensive package in accordance with lenders’ strict guidelines to get your request for relief in front of the right decision maker at your lender.  Then we follow through, diligently working on your behalf to secure the best possible result for you.

Under federal loan modification programs, borrowers stay with their existing home, in their existing mortgage, but with new and improved terms and conditions. Borrowers are able to reduce their interest rate, lower their monthly mortgage payment, and alter the term of their loan resulting in affordable mortgage payments. This is an unprecedented program to help American homeowners. As a result of the current economic conditions, federal banking mandates, new mandates and rules for the financial industry make all this possible. It is imperative to act now and have the right team working to secure the best possible rates, term and payment for you.

• We are specialists in Loan Modification; we do this every day. With mortgage, real estate, banking and legal professionals on staff, our clients benefit from our experience.  Federal statistics show that the overwhelming majority that attempt this on their own do not succeed.
• First you need to know what your options are. You need to be sure you qualify for a program that solves your specific problem and gets you the relief you need. We offer solutions - When we work with our clients, we look at the complete array of financial solutions available.
• We know the process and guidelines at your financial institution. We use this knowledge  to get you the answers you need
• We take out the stress - As your advocate, we do everything we can to make the Loan Modification process as stress free as possible for you.
• We are experts - We know what to say to the banks and what not to say. Saying the wrong thing to your bank and the lending institution can have drastic results.
• We hold the banks accountable. Often bank personnel are not aware of their responsibilities under the law; we know the law and can tell them in no uncertain terms what your rights are.
• Lenders know us and they respect that you have retained a law firm.